Finsoft Financial Investment Holdings (STU:FI8) Effective Interest Rate on Debt %: 5.17% (As of Jun. 2026)

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STU:FI8 Finsoft Financial Investment Holdings Ltd STU:FI8
11 GF Score
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What is Finsoft Financial Investment Holdings Effective Interest Rate on Debt %?

Finsoft Financial Investment Holdings STU:FI8 11 Effective Interest Rate on Debt % is 5.17% as of Jun. 2026. GuruFocus rates STU:FI8 with a GF Score™ of 11/100. The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Finsoft Financial Investment Holdings's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was €0.03 Mil. Finsoft Financial Investment Holdings's average total debt for the quarter that ended in Jun. 2026 was €0.66 Mil. Therefore, Finsoft Financial Investment Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 5.17%.


Finsoft Financial Investment Holdings  (STU:FI8) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Finsoft Financial Investment Holdings Effective Interest Rate on Debt % Related Terms


Finsoft Financial Investment Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Finsoft Financial Investment Holdings's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Finsoft Financial Investment Holdings Effective Interest Rate on Debt % Chart

Finsoft Financial Investment Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.02 5.21 4.11 6.17 3.64

Finsoft Financial Investment Holdings Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.82 6.03 5.02 5.66 5.17

STU:FI8 vs CRM, SHOP, UBER: Effective Interest Rate on Debt % Comparison

For the Software - Application subindustry, Finsoft Financial Investment Holdings's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Finsoft Financial Investment Holdings Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, Finsoft Financial Investment Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Finsoft Financial Investment Holdings's Effective Interest Rate on Debt % falls into.


STU:FI8
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Finsoft Financial Investment Holdings Ltd STU:FI8
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Finsoft Financial Investment Holdings Effective Interest Rate on Debt % Calculation

Finsoft Financial Investment Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -0.024/( (0.562+0.755)/ 2 )
=-1  *  -0.024/0.6585
=3.64 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.074 + 0.488
=0.562

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.38 + 0.375
=0.755

Finsoft Financial Investment Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -0.034/( (0.755+0.561)/ 2 )
=-1  *  -0.034/0.658
=5.17 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.38 + 0.375
=0.755

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.216 + 0.345
=0.561

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Jun. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 5.17% mean?
Finsoft Financial Investment Holdings (STU:FI8) has a Effective Interest Rate on Debt % of 5.17% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Finsoft Financial Investment Holdings and its competitors.
Is Finsoft Financial Investment Holdings' Effective Interest Rate on Debt % too high?
Finsoft Financial Investment Holdings' current Effective Interest Rate on Debt % is 5.17%. Overall, Finsoft Financial Investment Holdings has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does Finsoft Financial Investment Holdings' Effective Interest Rate on Debt % compare to CRM and SHOP?
Finsoft Financial Investment Holdings' Effective Interest Rate on Debt % of 5.17% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Software company?
A good Effective Interest Rate on Debt % depends on the Software industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Finsoft Financial Investment Holdings and its competitors. Finsoft Financial Investment Holdings's current Effective Interest Rate on Debt % is 5.17%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finsoft Financial Investment Holdings stock overvalued right now?
Finsoft Financial Investment Holdings (STU:FI8) has a current Effective Interest Rate on Debt % of 5.17%. The current Effective Interest Rate on Debt % is 5.17%. Finsoft Financial Investment Holdings' overall GF Score™ is 11/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Finsoft Financial Investment Holdings (STU:FI8), the current Effective Interest Rate on Debt % is 5.17% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Finsoft Financial Investment Holdings Business Description

Other Exchanges 08018:Hong Kong
Address 151 Gloucester Road, Unit 708, 7th Floor, Capital Centre, Wanchai, Hong Kong, HKG
Finsoft Financial Investment Holdings Ltd is an investment holding company, principally engaged in the provision of financial trading software solutions, provision of other IT and internet financial platforms services, money lending business and asset investments in Hong Kong. The company has five operating segments: a) Financial trading software solutions: development, sale and provision of financial trading software solutions, b) Other IT and internet financial platforms services: provision of e-commerce platforms, other online consultancy services and provision of IT services, c) Money lending - provision of loan financing, d) Assets investments trading of listed securities; and e) Others. The majority of revenue is derived from the financial trading software solutions segment.
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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